Home > F&M Bank-Jefferson > Income and Expense
F&M Bank-Jefferson, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,935,000 | 4,433 |
| Total interest expense | $3,243,000 | 4,314 |
| Net interest income | $3,692,000 | 4,471 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $391,000 | 5,695 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $218,000 | 4,897 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $173,000 | 5,273 |
| Total noninterest expense | $2,392,000 | 5,035 |
| Salaries and employee benefits | $1,174,000 | 5,249 |
| Premises and equipment expense | $482,000 | 3,888 |
| Additional noninterest expense | $736,000 | 5,074 |
| Pre-tax net operating income | $1,691,000 | 3,787 |
| Securities gains (losses) | $-26,000 | 9,622 |
| Applicable income taxes | $349,000 | 4,482 |
| Income before extraordinary items | $1,316,000 | 3,611 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,316,000 | 3,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,017 |
| Cash dividends | $2,000,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,336,540 | 3,526 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,270,000 | 4,258 |
| Total interest expense | $3,630,000 | 3,995 |
| Net interest income | $3,640,000 | 4,444 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $411,000 | 5,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 6,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,254 |
| Total noninterest expense | $2,046,000 | 5,511 |
| Salaries and employee benefits | $1,112,000 | 5,360 |
| Premises and equipment expense | $420,000 | 4,257 |
| Additional noninterest expense | $514,000 | 6,339 |
| Pre-tax net operating income | $2,005,000 | 3,337 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $474,000 | 3,979 |
| Income before extraordinary items | $1,531,000 | 3,202 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,531,000 | 3,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $5,689,000 | 582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,531,000 | 3,113 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,240,000 | 4,366 |
| Total interest expense | $3,583,000 | 4,061 |
| Net interest income | $3,657,000 | 4,567 |
| Provision for loan and lease losses | $375,000 | 2,191 |
| Total noninterest income | $299,000 | 6,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 6,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,614 |
| Total noninterest expense | $3,032,000 | 4,058 |
| Salaries and employee benefits | $1,139,000 | 5,315 |
| Premises and equipment expense | $356,000 | 4,828 |
| Additional noninterest expense | $1,537,000 | 2,675 |
| Pre-tax net operating income | $549,000 | 7,675 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-104,000 | 10,713 |
| Income before extraordinary items | $653,000 | 6,102 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $653,000 | 6,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $446,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $653,000 | 6,056 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,938,000 | 4,608 |
| Total interest expense | $3,413,000 | 4,280 |
| Net interest income | $3,525,000 | 4,806 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $322,000 | 6,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 6,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,465 |
| Total noninterest expense | $2,013,000 | 5,919 |
| Salaries and employee benefits | $1,068,000 | 5,708 |
| Premises and equipment expense | $304,000 | 5,535 |
| Additional noninterest expense | $641,000 | 6,087 |
| Pre-tax net operating income | $1,714,000 | 3,887 |
| Securities gains (losses) | $-7,000 | 10,114 |
| Applicable income taxes | $369,000 | 5,144 |
| Income before extraordinary items | $1,338,000 | 3,537 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,338,000 | 3,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,059 |
| Cash dividends | $242,000 | 5,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,343,460 | 3,479 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,456,000 | 4,880 |
| Total interest expense | $3,226,000 | 4,452 |
| Net interest income | $3,230,000 | 5,190 |
| Provision for loan and lease losses | $155,000 | 3,565 |
| Total noninterest income | $273,000 | 7,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,895 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,308 |
| Total noninterest expense | $1,958,000 | 6,086 |
| Salaries and employee benefits | $1,016,000 | 5,982 |
| Premises and equipment expense | $258,000 | 6,220 |
| Additional noninterest expense | $684,000 | 5,969 |
| Pre-tax net operating income | $1,390,000 | 4,716 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $297,000 | 6,032 |
| Income before extraordinary items | $1,085,000 | 4,300 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,085,000 | 4,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,712 |
| Cash dividends | $219,000 | 5,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,091,320 | 4,268 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,842,000 | 4,986 |
| Total interest expense | $2,638,000 | 4,427 |
| Net interest income | $3,204,000 | 5,320 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $295,000 | 7,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 7,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,154 |
| Total noninterest expense | $2,033,000 | 6,117 |
| Salaries and employee benefits | $1,002,000 | 6,077 |
| Premises and equipment expense | $259,000 | 6,372 |
| Additional noninterest expense | $772,000 | 5,871 |
| Pre-tax net operating income | $1,406,000 | 4,658 |
| Securities gains (losses) | $-52,000 | 11,060 |
| Applicable income taxes | $239,000 | 6,699 |
| Income before extraordinary items | $1,115,000 | 4,125 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,115,000 | 4,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $174,000 | 5,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,157,640 | 4,035 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,928,000 | 5,004 |
| Total interest expense | $2,668,000 | 4,551 |
| Net interest income | $3,260,000 | 5,264 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $309,000 | 7,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,556 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $178,000 | 6,023 |
| Total noninterest expense | $2,001,000 | 6,337 |
| Salaries and employee benefits | $934,000 | 6,519 |
| Premises and equipment expense | $249,000 | 6,692 |
| Additional noninterest expense | $818,000 | 5,819 |
| Pre-tax net operating income | $1,493,000 | 4,337 |
| Securities gains (losses) | $-4,000 | 12,523 |
| Applicable income taxes | $306,000 | 5,999 |
| Income before extraordinary items | $1,183,000 | 4,070 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,183,000 | 4,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $152,000 | 6,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,186,160 | 3,868 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,303,000 | 5,276 |
| Total interest expense | $3,208,000 | 4,881 |
| Net interest income | $3,095,000 | 5,584 |
| Provision for loan and lease losses | $58,000 | 8,742 |
| Total noninterest income | $288,000 | 7,888 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 8,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 6,089 |
| Total noninterest expense | $1,932,000 | 6,557 |
| Salaries and employee benefits | $918,000 | 6,517 |
| Premises and equipment expense | $224,000 | 7,300 |
| Additional noninterest expense | $790,000 | 6,133 |
| Pre-tax net operating income | $1,393,000 | 4,333 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $357,000 | 5,253 |
| Income before extraordinary items | $1,041,000 | 4,338 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,041,000 | 4,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 13,003 |
| Cash dividends | $136,000 | 5,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,037,300 | 4,043 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.